PT Mandala Multifinance Tbk.

mfin

+0.32%

Overview

MFIN Overview

PT Mandala Multifinance Tbk is an Indonesia-based consumer financing company. The Company is focused on motorcycle, working capital and multipurpose financing. The Company’s products include new motorcycle, multipurpose credit, and electronic and furniture. The Company primarily classifies its business activities into geographical segment consisting of Java, Sumatera, Sulawesi and Kalimantan.

1.02.03.04.05.06.07.0ValueCompetitiveFutureFinancialsDividend
Exchange
Indonesia Stock Exchange

Symbol: MFIN

Main
Market Cap.
IDR 8.29Trillion

~$509.30M USD

Industry
Consumer Financing
Sub-Industry
Consumer Financing
Sector
Financials

Valuation

MFIN Valuation Metrics

3,130

IDR
+0.3%

Closing Price on 2024-06-14

Price to Equity

22.74

P/E

At 22.74x P/E TTM, MFIN.JK is trading at a premium to its peers in the Financing Service sector (avg 9.6x).

Price to Book

2.38

P/B

At 2.38x P/B TTM, MFIN.JK is trading at a premium to its peers in the Financing Service sector (avg 0.9x).

Price to Sales

3.86

P/S

At 3.86x P/S TTM, MFIN.JK is trading at a premium to its peers in the Financing Service sector (avg 3.1x).

Valuing PT Mandala Multifinance Tbk. based on its trailing twelve months (TTM) valuation metrics against its peers in the Financing Service sector

Historical Price to Earnings

Other Valuation Metrics

Valuing PT Mandala Multifinance Tbk. relative to other stocks in the Financing Service sector

Price/Cash Flow
47.60x
Price/Forward Earnings
-
Enterprise Value/Revenue
4.68x
Enterprise Value/EBITDA
17.01x
PEG Ratio
-0.59x

Analyst Ratings

No analyst ratings available yet.

Last closing: IDR3,1302024-06-14
IDR 1,929.54

Considerably Lower Intrinsic Value: Analyst's intrinsic value is of MFIN is IDR1,930, which is 37% lower than MFIN's last closing price of IDR3,130 (as of 2024-06-14).

Valuation Recap of MFIN stock
WeightNotesScore
High
The P/E ratio is calculated by dividing the market price of a company's stock by its earnings per share (EPS). It is a key tool for investors and analysts to assess whether a stock is overvalued, undervalued, or fairly valued. A P/E ratio of 22.74x is above the ID market average of 8.07x and is trading at a premium to peers in the Financing Service sector (9.56x). In fact, less than 25% of its peers trade at a higher P/E ratio than MFIN.

High
The P/B ratio is calculated by dividing the market price of a company's stock by its book value per share (BVPS). It measures the company's stock value relative to its assets minus liabilities. A P/B ratio of 2.38x is above the peers average of 0.92x in the Financing Service sector. MFIN trades at a higher P/B ratio than >75% of its peers in the Financing Service sector.

Medium
The P/S ratio is calculated by dividing the market price of a company's stock by its sales per share. It measures the company's stock value relative to its sales. A P/S ratio of 3.86x is above the peers average of 3.09x in the Financing Service sector. When considered alongside the Forward Price/Earnings ratio, they serve to illustrate investors' expectations of MFIN's valuation relative to its current sales and future earnings growth.

Low
The Price/Cash Flow ratio (P/CF) is calculated by dividing the market price of a company's stock by its cash flow per share. It measures the company's stock value relative to its cash flow, and is sometimes said to be a more objective measure of a company's value because cash flows cannot be manipulated as easily as earnings, which considers non-cash items such as depreciation and amortization. MFIN's P/CF ratio of 47.60x is considered a relatively high ratio by analysts.

Low
The Enterprise Value/Revenue ratio (EV/R) is calculated by dividing the enterprise value of a company by its revenue. It measures the company's enterprise value relative to its revenue. It is an indicator of how much it costs to buy the company's revenue; the lower the ratio, the cheaper the company's revenue. MFIN's EV/R ratio of 4.68x is considered a relatively high ratio The average EV/R ratio for the Financing Service sector is 6.21x.

Medium
Considerably Lower Intrinsic Value: Analyst's intrinsic value is of MFIN is IDR 1,929.54, which is 37% lower than MFIN's last closing price of IDR 3,130.00.

Peers

MFIN Peers and Comparison

Peer Companies

Supertype Fuzzy Search
SymbolCompany Name
Market Cap
(in Trillion IDR)
Total Assets
(in Trillion IDR)
Total Revenue
(in Trillion IDR)
Profit and Loss
(in Trillion IDR)
P/E
P/B
BBCAPT Bank Central Asia Tbk.1,140.26T1,408.11T 101.91T 48.64T 23.444.70
BBRIPT Bank Rakyat Indonesia (Persero) Tbk630.31T1,989.07T 178.91T 59.88T 10.532.15
BMRIPT Bank Mandiri (Persero) Tbk536.67T2,174.22T 123.24T 55.06T 9.752.06
BBNIPT Bank Negara Indonesia (Persero) Tbk160.54T1,066.72T 60.27T 21.08T 7.621.11
BRISPT Bank Syariah Indonesia Tbk106.15T357.90T 19.39T 5.91T 17.972.62
SMMAPT Sinar Mas Multiartha Tbk92.81T116.18T 25.19T 0.45T 207.423.96
DNETPT Indoritel Makmur Internasional Tbk.68.93T20.44T 1.40T 0.58T 118.685.35
MEGABank Mega Tbk60.76T126.53T 7.85T 3.60T 16.893.05
BNGAPT Bank CIMB Niaga Tbk41.02T332.99T 19.03T 6.58T 6.230.80
BFINBFI Finance Indonesia Tbk12.43T24.17T 6.06T 1.50T 8.311.27
Competitiveness Recap of MFIN stock
WeightNotesScore
High
At a market cap of IDR 8,294.50 billion, MFIN.JK ranks 10 in Market Cap out of 10 companies in the Financials sector.

High
At a PE of 22.74, MFIN.JK ranks 4 out of 10 companies in the Financials sector for P/E value. The average PE is 44.13 (unadjusted). A high P/E ratio often indicates higher growth expectation, or other qualitative factors that led investors to believe that the company has a defensible competitive advantage compared to its peers in Financials. In this regard, it trails behind sector leaders such as PT Sinar Mas Multiartha Tbk (207.42) in the Financials sector.

Medium
At a PE of 22.74, MFIN.JK is trading at a higher PE than that of its subsector peers in Financing Service (median of 9.56). false

Medium
At a revenue of IDR 2.15 trillion, MFIN.JK ranks 9 in Revenue out of 10 companies in the Financials sector.

Medium
At a profit of IDR 0.36 trillion, MFIN.JK ranks 10 in Profit out of 10 companies in the Financials sector.

Future

Future Growth of MFIN

Growth Forecasts

No data available

Sector Benchmark

Financing Service companies in Indonesia are shrinking at a projected rate of -16.12% against the IDX average of +13.1%.

Financing Service sector overview
No data is available for MFIN at the moment.
Future growth prospect of MFIN
WeightNotesScore
High
MFIN's projected growth rate of -16.12% is below the ID market average of 13.14%.

High
The Financing Service sub-sector is projected to grow revenue by 0.22% in 2025. This number is higher than the previous year 2024's growth rate of -10.27%. false

Medium
The Financing Service sub-sector is projected to increase earnings by 14.59% in 2025. This number is higher than the previous year 2024's EPS growth of 0.73%. This bodes well for MFIN's earnings growth prospects in the next 2 years.

Medium
MFIN and its peers in the Financing Service sub-sector belongs to the Financials sector. Companies in the Financials sector are projected to have a fruitful year heading into 2025. Specifically, earnings are projected to increase by 18.49% in 2025 while revenue growth is projected to increase by 21.05%. These macroeconomic trends will likely be a tailwind for MFIN's earnings growth prospects in the next 2 years.

Loading...
Loading...

Management

Executive Management

President Director

Harryjanto Lasmana15.2 years
Christel Lasmana
Director
Frederick Nathanael
Director
Sandy Susanto
Director
Roberto Ak Un
Director
Yussy Santoso
Director
NamePositionShares%
Alex HendrawanPresident Commissioner134,000,0005.05
Pt Jayamandiri GemasejatiDirector1,866,000,00070.42
Expressed in millions IDR, unless otherwise stated

Ownership

MFIN Ownership

NameNumber of SharesOwnership (%)Value
Pt Jayamandiri Gemasejati1,866,000,00070.425,840.58B
Public (Scripless)516,833,60019.51,617.69B
Alex Hendrawan134,000,0005.05419.42B
Credit Suisse Ag, Singapore Branch133,166,4005.03416.81B
No data is available for MFIN at the moment.

    Sectors, Indonesia's Financial Data Layer

    We hate spam as much as you do. We do not resell your data.

    Email us at sectors@supertype.ai for enquiries on using Sectors for your business or organization.

    © 2024 Supertype Pte. Ltd.
    (and subsidiary PT. Supertype Teknologi Nusantara)